Union Plus

Union Plus is brought to you by Union Privilege, established by the AFL-CIO to provide consumer benefits to members and retirees of participating labor unions. Learn More
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Union Plus Medical Bill Negotiating Service by Health Advocate

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Benefit Description

The Union Plus Medical Bill Negotiating Service by Health Advocate provides union members with large out-of-pocket medical bills FREE assistance negotiating bill reductions with physicians, hospitals and other medical providers.  The Service negotiates with medical providers on the union member's behalf to lower costs and establish payment plans.



  1. You must be a union member or union retiree.
  2. You must have at least one outstanding unreimbursed medical expense of $400 or more from a single medical provider. But there's no limit on the number of medical providers with which the service will negotiate.
  3. Lifetime limit: one Medical Bill Negotiating Service membership per household

Eligible medical expenses:

  • When you calculate your unreimbursed medical expenses, you may include expenses incurred from physicians, dentists, hospitals, surgery centers, diagnostic service providers -- any medical provider. The Service attempts to negotiate any medical or dental bill regardless of insurance benefit status, including insured, underinsured, non-covered and out-of-network claims.
  • Do not include expenses that were covered by your (or your spouse/dependent's) health insurance. Health Advocate may not be able to fee negotiate on money that was supplied towards a deductible, coinsurance or co-pay. Deductibles, coinsurance, and co-pays are the member's contracted obligation with the insurance carrier.
  • Unreimbursed expenses must be at least $400 for each medical provider.

How to apply

  1. Complete the online application form.
  2. Print the online application PDF, sign and mail all required documentation to:

    ATTN: Union Plus Medical Bill Negotiating Service
    Union Privilege
    1100 1st Street, NE, Suite 850
    Washington, DC 20002

  3. Please allow 4-5 weeks for application processing.
  4. When your application is approved you will be notified by email. You will be advised to contact the medical negotiation service provider directly. You should be prepared to provide them with documentation of your unreimbursed medical expenses of at least $400 per medical provider, copies of medical bills, or insurance Explanation of Benefits (EOB) forms.


Explore Union Plus

Help if you don’t know your union

Your union membership dictates which Union Plus benefits you are eligible to use.

  1. What your national union’s name (not just your local number)? Scroll through the list we have to see if you recognize your union.
  2. What type of work do you do (select your occupation)?
  3. Do you have a union member card or union publication/letter that shows the name of your union? Find something with the name of your union, not just a local number.
  4. Is there a shop steward or work colleague you can ask what the name of your union is? You can even ask your human resources department to tell you the full name of your union?
  5. Do you have a Union Plus Credit Card? If so, the name and logo for your international union should appear on the front of the card.

Union Plus Credit Card

Union members are automatically eligible for their union's Union Plus benefits and you do not need to be a Union Plus Credit Cardholder in order to access your union's Union Plus benefits.

But - if you are a Union Plus Credit Cardholder, you could be eligible for additional discounts.